USDA Loan Vs. FHA loan for Ontario, CA 2025

As of 2025, in Ontario, county of San Bernardino, CA, the USDA loan limit is $776,600 and the FHA limit for a single-family residence is $1,089,300.

Explore Lendersa®'s USDA loan calculator to compare today's leading USDA versus FHA rates, assessing the income, credit, reserves, and paperwork required for qualification. Our sophisticated mortgage calculator showcases USDA, FHA, Conforming, and VA loans side by side, assisting you in selecting the best option in for your financial objectives.

USDA and FHA Loan Alternatives in Ontario, CA

Lendersa® aims to secure the most advantageous USDA or FHA loan quickly and effortlessly. Choose one of three beginnings that match you with lenders and USDA loan offers.

Lendersa USDA loan request and matching results

Understanding USDA Loans in CA

The USDA home loan is a government-secured mortgage offered by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. This loan type is exclusively available in rural neighborhoods. FHA loans require at least a 3.5% down payment, but USDA loans have no down payment requirement.

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(509) 252-4000 Lender's profile and map Reviews Heritage Home Loans 1414 W Garland Avenue, Suite 109, Spokane, WA, 99205 We are a full service Mortgage Bank with loan products for Purchase and Refinance of Residential Real Estate. We offer in-house origination, processing, and underwriting to our clients to ensure their expectations are exceeded. Our main markets include Eastern and Central Washington as well as North Idaho down to Lewiston, ID.
(253) 584-2260 Lender's profile and map Reviews Harborstone Credit Union 4720 Center St, Tacoma, WA, 98409 Harborstone Credit Union has branch locations in King, Pierce, and Thurston counties to serve our members. Which means we're big enough to offer a wide variety of products and services yet small enough to offer a pleasant and personable atmosphere. When you join Harborstone, you become a part owner of our not-for-profit organization.
(253) 272-2161 Lender's profile and map Reviews Tacoma Longshoremen Credit Union 3602 Alexander Avenue, Tacoma, WA, 98424 The Tacoma Longshoremen Credit Union is a member-owned financial institution whose purpose is to meet its member's financial needs and promote the financial well-being of its members by providing them with financial services in a friendly and considerate manner. and The Tacoma Longshoremen Credit Union is a not for profit.
(620) 356-4142 Lender's profile and map Reviews Grant County Bank 201 South Main Street, Ulysses, KS, 67880 The Grant County State Bank was chartered in 1907. It endured the Great Depression of the 1930s and remained a bulwark through the 1980s, when U.S. banks were failing at record rates. Our capital strength and our community's support have allowed our Bank to emerge as a leader in financial products and services.
(360) 753-2668 Lender's profile and map Reviews Olympic Lending Solutions 2114 Caton Way SW, Suite 201, Olympia, WA, 98502 At Olympic Lending value each and every one of our clients, and will enthusiastically do our best to go above and beyond to ensure that our clients stay happy through every aspect of the transaction. Washington State Mortgage Lender. NMLS 1499380. A Division of American Pacific Mortgage Corp.
(360) 878-9448 Lender's profile and map Reviews Mortgage One Northwest, Inc 2401 Bristol Court Southwest, Suite B103, Olympia, WA, 98502 Mortgage One Northwest has been a Washington State Licensed Mortgage Broker for over 10 years! Our success is due to our amazing team. Our Loan Originators take the time to help our clients understand the home loan process. Our onsite processors are awesome and efficiently work to get all our loans closed quickly.
(800) 562-8130 Lender's profile and map Reviews Sound Credit Union PO Box 1595, Tacoma, WA, 98401 A Northwest original since 1940, we’re one of Washington State’s largest credit unions, driven by the purpose of standing with members, employees and the community through all waves of life. Sound provides authentic and trusted financial support and services with full-service branches around the Puget Sound. credit unions,
(253) 565-9895 Lender's profile and map Reviews TAPCO Credit Union PO Box 64369, Tacoma, WA, 98464 Founded in 1934 by nine employees of the City of Tacoma who weren’t getting the financial help they needed at traditional banks, TAPCO Credit Union has always been committed to working families. Originally opened as City Credit Union of Tacoma, our first branch was located under the stairs of the Old City Hall in downtown Tacoma.
(253) 327-1177 Lender's profile and map Reviews Penny Lane Financial 1804 W Union Ave, Suite 202, Tacoma, WA, 98405 Penny Lane Financial we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use common sense in consulting with you to obtain the best loan possible for your personal unique needs. We provide top-tier quality rates from a wide range of A-rated lenders.
(253) 284-1800 Lender's profile and map Reviews Commencement Bank 1102 Commerce Street, Tacoma, WA, 98402 Commencement Bank, headquartered in Tacoma, WA, was formed in 2006. We provide traditional, reliable, and sustainable banking in Pierce County, South King County, Thurston County and the surrounding areas. Our team of experienced banking experts focuses on personal attention, flexible service, and building strong relationships with customers.
(877) 272-3678 Lender's profile and map Reviews The Columbia Bank 1301 A St, Tacoma, WA, 98402 Columbia Bank is a Northwest community bank headquartered in Tacoma, Washington, with comprehensive solutions and expertise to meet the evolving needs of businesses and individuals. Growth is vital to remaining a preferred option for customers. It advances the services and expertise we provide on their behalf
(253) 219-3005 Lender's profile and map Reviews Crux Commercial Partners 732 Broadway St, Suite 301, Tacoma, WA, 98402 Crux Commercial Partners is a boutique commercial real estate finance firm that specializes in value add solutions for our clients. Our diverse web of relationships and unparalleled industry knowledge carry across local banks/credit unions, large regional banks, CMBS issuers, SBA, Fannie Mae/Freddie Mac and affluent private lenders.